Anyone want to join me? Awaiting Mortgage decision...

chrislee2810

Update, we have now submitted our full application. Our broker thinks that we should be OK but nothing is certain. I have set myself up for a decline as at least that way I will not be disappointed.

psychological

Would love to join in! Anything to ease the stress of waiting...

10% Deposit - YES
Offer Accepted - YES - 09/09/2016
AIP - YES
Solicitor Instructed - YES
Chain Complete - YES
Formal Mortgage Application Submitted - YES - 21/09/2016
Paid Solicitor Search Fees - YES
Valuation - YES - 27/09/2016
Formal Mortgage Offer - WAITING (Nationwide)

Waiting to see if I get referred to an underwriter for further questions, although mortgage broker assures me that affordability doesn't appear to be an issue - I had a pretty chunky spend in August for various reasons.

Nerve-wracking - we love this house.

getinmyselfoutadebt

susan.leedward wrote: »

We were in the same boat.. but luckily got a good broker ..hassle free I must say...no-0345 345 4445

Said the broker:rotfl:

Bonfire_Bride

SPAM reported!

We have some blinking darn good brokers on here that are unable to promote business, so if you think you are getting away with it Ms Leedward, you can think again!

hammergirl28

Still waiting for the mortgage to be approved, Vendors getting nervous as both surveys being done at the same time and the bank has not arranged it yet ! Threatening to put he house back on the market not much I can tell them !!!

chrislee2810

Just been informed that the valuation is taking place best Tuesday. Fingers crossed it should all be ok

waitforwaves

waitforwaves wrote: »

26/8: House Valued
30/8: Valuation Came back...... £0:wall:

No idea what to do next!

Found a beautiful new house now so I'll start again!

26/9: Offer accepted
26/9: Mortgage App Submitted

Valuation booked for 3/10 and fingers crossed an offer will follow :beer:

Anyone else with Coventry? Just wondering how long we can expect to wait between the valuation and the offer.

VAP_Driver

07/09: DiP applied for and received (via broker).
10/09: Offer made and accepted on property.
22/09: Full application made to Nationwide by broker.
23/09: Valuation booked.
27/09: Valuation carried out.
28/09: Valuation received by Nationwide, reviewed and accepted.
29/09: Mortgage offer issued.

Eight days from full application to the offer being issued- very pleased with that. 85% LTV and at the top of our affordability too.

Levs01

waitforwaves wrote: »

Found a beautiful new house now so I'll start again!

26/9: Offer accepted
26/9: Mortgage App Submitted

Valuation booked for 3/10 and fingers crossed an offer will follow :beer:

Anyone else with Coventry? Just wondering how long we can expect to wait between the valuation and the offer.

24-48 hours to receive the report back. 24-48 hours to go to offer queue (assuming you're agreed subject to offer?)

Our survey was done Tuesday we had offer 9am Thursday, we were agreed subject to valuation.

markbmcfc

Don't post much but - 31 and never had a mortgage due to bad credit in my younger days. Spent the last 5 years living with parents repaying my debts. Nearly all gone....

Applied through a Broker with Barclays. Provisional acceptance and then.....refusal.

She tried with Natwest.....and said it had been accepted. I didn't want to believe her and get my hopes up.

Natwest took the valuation fee from my bank yesterday afternoon.

Have I got there?!!?!?